• filter:
  • Text Only
  • Search this Topic »
Voting History
rated:
There are more and more agencies collecting data on us, and it is important to check all these reports to ensure they are correct before you apply for that job, insurance policy or credit card/car loan/mortgage).

Fortunately we are entitled to FREE copies of our consumer reports, but they can be hard to find. In the Quicksummary, lets consolidate all sources and links to obtain free consumer reports.

Please help to add to the list and add current working links

Member Summary
Most Recent Posts
Bump

samko (Jun. 12, 2014 @ 4:58p) |

Bump for 2015

LongDongSilver (Jan. 30, 2015 @ 9:17p) |

Bump for 2016

ESLUV (Oct. 15, 2016 @ 2:52p) |

CREDIT/BANKING

https://www.annualcreditreport.com/cra/index.jsp

CHEXSYSTEMS
https://www.consumerdebit.com/consumerinfo/us/en/index.htm

TeleCheck (similar to ChexSystems, used by some banks)
http://www.firstdata.com/telecheck/telecheck-request-file-report.htm

Early Warning
http://www.earlywarning.com
If you wish to obtain consumer report information, please contact our Consumer Call Center at 800-325-7775

Experian
https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIDEC

TransUnion
https://annualcreditreport.transunion.com/tu/dispute/order.jsp?package=DisputeDisclosure

Equi.fax
https://aa.econsumer.equifax.com/aad/noJavascript.ehtml

Innovis
https://www.innovis.com/InnovisWeb/pers_orderCreditReport.html

ARS (Advanced Resolution Services) / ICS (Issuers Clearinghouse Service)
https://www.fatwallet.com/forums/finance/949393

Credit Karma - free credit scores
FW thread to discuss CreditKarma
https://www.fatwallet.com/forums/finance/930468

AM.EX - Free Credit score and report offer
FW thread here> https://www.fatwallet.com/forums/finance/998290

CoreLogic Reports How to dispute., read more about this here.

Certegy - Collects check writing histories and provides check screening services for retailers who accept checks as payment in their stores.
https://www.askcertegy.com/ask_certegy.jsp#FACT


INSURANCE
MIB- maintains a database on our health, information is used by life and disability insurance apps
http://www.mib.com/html/request_your_record.html

FW Thread to discuss MIB
https://www.fatwallet.com/forums/finance/998143

APLUS Insurance Claims
http://www.iso.com/Products/A-PLUS/Consumers-Order-Your-Free-A-PLUS-Loss-History-Report.html

CLUE Auto and Home
https://personalreports.lexisnexis.com/fact_act_claims_bundle/la...

ChoiceTrust - maintains loss history of home and auto policies.
https://www.choicetrust.com/pdfs/CD107_CP-File-Disclosure-Request-Form_pg-3.pdf



EMPLOYMENT
The Work Number - maintains a database of employment and salary history
http://theworknumber.com/Employees/report_request.pdf

ChoiceTrust Employment Record
ChoiceTrust

First Advantage - Conducts background screening services.
Report Request Form (PDF)

HireRight - Conducts employment background screening services.
http://hireright.com/Consumers-Applicants.aspx#RequestForm

Verifications Inc. - Conducts background screening services.
http://verificationsinc.com/eng/whoweare/applicant_information.cfm


UTILITIES
National Consumer Telecom and Utilities Exchange - Collects information on new connect requests, account and payment histories, defaults, and fraudulent accounts associated with telecommunications, pay TV, and utility (electric, gas, water) services.
http://www.nctue.com/consumer


RENTAL
Leasing Desk (Real Page) - Provides data for tenant screening.
http://www.realpage.com/company/consumer/consumer-dispute#needCopy
Staff Summary
Thanks for visiting FatWallet.com. Join for free to remove this ad.

rated:
Thanks, SIS. Added Innovis.

rated:
Link to free CLUE reports

https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue

rated:
This is a great post! Thanks alot, OP!

rated:
To request an ICS/ARS report:

Q== How do I order a free report?
A== Send written request to ADVANCED RESOLUTION SERVICES, INC. 6111 Oak Tree Blvd., Suite 400 Independence, OH 44131 or fax (216-615-7604). Must include drivers license, full name, address, social security number

ARS CONSUMER REPORT REQUEST FORM 

Please send me a copy of my Advanced Resolution Services (ARS) consumer report, which discloses all
of the information in your files associated with my Social Security number.
 
Consumer Information
Full Name
Social Security Number
Street Address Apt. # _ 
City __ , State ZIP _ 
Telephone: Residence Business _ 
 
Enclosures 
Copies of the following documents are required for processing of your request for your ARS consumer report:

Proof of Identity (Choose one, and check the box for the document you selected.) 
[ ] Driver's License
[ ] State-issued Identification Card 
[ ] Medicare Health Insurance Card 
[ ] NUMI Form (Third Party Disclosure signed and dated by your local Social Security Administration office) 
 
Your signature 
 
Date
 
Note: To protect your personal information, your ARS consumer report cannot be provided without
your signature and all of the requested information.
ConsumerReportRequestForm.doc 1106




crawsfire reported that a consumer may freeze his/her file with them in writing:

To freeze ARS you need to fax or mail a signed written request with your name, address, social security number, and proof of identity like a drivers license, state ID, etc.

Advanced Resolution Services, Inc
6111 Oak Tree Blvd, Suite 400
Independence, OH 44131
Ph: 800-392-8911
Fax 216-615-7642

rated:
This should become sticky soon.

Just my 2 cents.

rated:
ChoicePoint / ChoiceTrust / LexisNexis...

Frequently Asked Questions
1. What are ChoicePoint consumer files?
ChoicePoint consumer files contain a compilation of various information about individuals that we maintain in our consumer reporting databases. This information is used to create consumer reports for employment screening, resident screening, insurance underwriting, and volunteer background checks.
2. What is a ChoicePoint Full File Disclosure?
A ChoicePoint Full File Disclosure is made at the request of the consumer (or his/her authorized representative) and includes the consumer's consumer file and a Public Records Search. The Public
Record Search contains information available in county, state, or federal public records such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information and historical addresses.
3. What information will I receive in my ChoicePoint Full File Disclosure?
The following is a description of the information that will be included in the ChoicePoint Full File Disclosure
packet that you receive:

�� Two C.L.U.E.® (Comprehensive Loss Underwriting Exchange) reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which summarizes insurance loss history information about you provided to ChoicePoint by participating insurance companies. This information is used when you apply for auto or homeowners insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.
�� Two Current Carrier® reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which provides summaries of your historical personal automobile or homeowner coverage that has been reported to us by contributing insurance companies. This information is used to confirm that you currently have personal auto and/or homeowner's insurance coverage as well as indicate any gaps in insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.
�� A pre-employment background check. You will receive this report only if you have applied for a position with a company that used ChoicePoint to create a background report as part of the hiring process. This report may also include your personal credit information and/or your state driving record if the employer requested this information as part of the background check. This information is used in the hiring process.
�� A copy of an Esteem® report, which lists circumstances in which you have admitted to, or have been convicted of, theft while visiting or working at a retail company. This information is used by certain retail companies in their hiring process.
�� A copy of a ScreenNow® report, which displays the results of a national criminal records search of your name and personal information. This information is used in the hiring and volunteer application process.
�� A copy of a Resident Data® resident history report, which includes your personal credit information as well as a search of criminal records. As part of the report, your name is also checked against a national eviction file. This information is used by many apartment communities in resident screening. You will only receive a Resident Data report if you have applied for residence with a company that used ChoicePoint to create a background report about you as part of the resident screening process.
�� A Public Records Search that shows government records and public information about you such as real estate ownership records, bankruptcies, professional licenses and historical addresses that ChoicePoint maintains or has access to. This information is used by companies as part of an effort to verify the assets, addresses, identity and credentials of a person as part of an account set-up process or anti-fraud tool. Government agencies also use this information as part of an investigation of a known or suspected crime.

4. Is there a cost to me for receiving my ChoicePoint Full File Disclosure?
No. ChoicePoint offers consumers their Full File Disclosure free of charge once per year. Charges may apply for additional requests.
...
8. What do you do with the information that makes up the ChoicePoint Full File Disclosure?
ChoicePoint is a consumer reporting agency that provides reports to businesses and government for employment screening, volunteer screening, and insurance underwriting. Our role in this process is to compile the appropriate information based on the request, create the reports, and forward them to the inquiring company or government agency.
9. Is it legal to provide the information in my ChoicePoint Full File Disclosure to companies and government?
ChoicePoint operates pursuant to various state and federal laws, which allow us to collect and disseminate information for insurance underwriting and other permissible purposes. The reports we provide through our consumer reporting business are called consumer reports, and are governed by the federal Fair Credit Reporting Act (FCRA). The FCRA addresses consumer privacy issues, and is very explicit regarding the conditions under which consumer reports can be ordered. Businesses and government agencies with legitimate purposes are entitled to order these reports for the business-related activities they conduct.
10. Why Should I Request My ChoicePoint Full File Disclosure?
ChoicePoint encourages consumers to review on a regular basis, at least once per year, information about them that is stored with consumer reporting agencies, credit reporting agencies, in county courthouse and other government records, etc. Doing so enables consumers to detect inaccuracies that might result in the denial of financial or other benefits, or that might indicate the presence of fraud or other misuse of their information.
11. How Do I Correct Information in My Full File Disclosure?
If information reflected within your ChoicePoint Full File Disclosure is inaccurate, you may initiate a dispute of the information by contacting us as shown below:

(see pdf ATTACHMENT)

Please note that ChoicePoint does not create the information found in public records, nor do we have the authority or the ability to change it. This information is available from public sources and you are the only one who can initiate changes to such information. If you need help in identifying the source, please contact us.
...
14. Can I add a security freeze to my Full File Disclosure?
As a consumer, you may have the right to request a state specific security freeze for certain ChoicePoint consumer reports, and subsequently release or lift the freeze at some later date. Depending on state laws, these actions may include a fee. Please visit our web site www.choicetrust.com for more information on specific security freezes available in your state for ChoicePoint's consumer reports. Please note that any security freeze that you request for your ChoicePoint consumer file will apply to only those information products that are created and maintained by ChoicePoint. We do not have the ability to add a fraud alert or a security freeze to your credit report. To add an alert or freeze to your credit report, you will need to contact the individual credit reporting agencies.

rated:
Hey mods how about replacing the AOR sticky with this thread?

rated:
Added:

Employment Record
ChoiceTrust

rated:
Anyone else worried that by contacting some of these organizations, especially some of the obscure ones, that you may be giving them information they don't already have?

For example, the MIB one for health insurance requires to get your report that you disclose all the health insurance companies you have had accounts with for the past 7 years. It's possible they have a fragmented or incomplete file on you and you are helping them complete it.

My goals with all of these information organizations are to:
1) Eliminate incorrect data that may be harmfully effect me in the future
2) Reduce/minimize correct data for my privacy

I would prefer if NONE of these agencies existed and I dont want to help them by adding my drivers license number and SSN to a file that may not have currently have it. It would be like going to the FBI with your fingerprints and DNA sample saying, "Hey can you guys make sure no one committed crimes using my identity?" because then the FBI will add your prints and DNA to their database!

rated:
Just last weekend, I compiled the following document for myself and some family members which lists 10 free consumer reports. I have lettered them from A to J.

Much of the info I took from an internet article, the address of which is referenced at the start of the document.

I have to run now and won't be back to FW for a couple of days, so I don't have time to update the master summary of this current thread, but I think that one or two of the reports mentioned in the below document are not yet listed in the summary here (possibly the 2 tenant records ones and the A-PLUS one).

I know that many of these reports are already mentioned in the summary, so I apologize for any duplication in my post.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++


How to get 10 free consumer reports about yourself

===================
Article: 4 Free Reports With Your Personal Insurance, Employment, and Tenant History
this article is from: http://www.mymoneyblog.com/archives/2008/06/4-free-reports-with-your-personal-insurance-employment-and-tenant-history.html

Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) Act, which basically says that consumers should be able to see (and dispute) the massive amount of information contained in private corporate databases. But in addition to credit information, there are a lot of other databases with your personal information floating around. You can get one of each report free every rolling 12-month period.

Insurance Claims History
If you would like to know what the insurance companies are saying about you behind your back, you definitely want to get a free copy of your CLUE Personal Auto Report and Personal Property Reports, which you can get instantly online or by calling 1-866-312-8076. CLUE stands for Comprehensive Loss Underwriting Exchange.
A. https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue

The C.L.U.E. ®Personal Property report provides a seven year history of losses associated with an individual and his/her personal property. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

The C.L.U.E. ®Auto report provides a seven year history of automobile insurance losses associated with an individual. The following data will be identified for each loss: date of loss, loss type, and amount paid along with general information such as policy number, claim number and insurance company name.

In addition, you should also request your free A-PLUS report (Automated Property Loss Underwriting System), which is a smaller database that also contains information about property loss claims. Insurance companies use this data to decide your premiums, so you’ll want to clear up any mistakes right away as they are probably costing you money right now!
B. http://www.iso.com/Products/A-PLUS/Consumers-Order-Your-Free-A-PLUS-Loss-History-Report.html

This brings me to another use for CLUE reports. If you are seriously looking at buying a home, you should spend the $20 and get the CLUE report for the property and see its claim history. For example, if the water heater broke and flooded the basement two years ago, you may have a hard time finding homeowner’s insurance due to mold concerns.

Employment History Report
When a potential employer runs a background check through ChoicePoint, this is the information they see. It doesn’t seem to claim be comprehensive, as their site states:

The ChoicePoint Workplace Solutions Inc. Employment History report contains information related to your employment history as well as other information regarding your background. [...] Our files would only contain information on you if ChoicePoint provided your Employment History Report to an employer.

I would think you’d still want to make sure nothing inaccurate is on there. To get your free employment history report, call 1-866-312-8075. More information here.
C. https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=emphist

Tenant History Report
This report will can be important if you are a renter and someone runs a background check on you at ChoicePoint.

The Resident Data Inc. Tenant History report contains information related to your tenant history as well as other information regarding your background. [...] Our files would only contain information on you if ChoicePoint provided your Tenant History Report to a housing provider.

To get your free tenant history report, call 1-877-448-5732. More information here.
D. https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=tenanthist

--
a reader comment on the above article:

Choicepoint will also send your complete FACT file with them, including all those separate reports you just listed (you don’t need to request each one separately). They are really weird about getting the exact ID documents from you to identify you (I had to re-send my ID’s like 3 times before they accepted them for some reason. They seem disorganized over there).
E. https://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?usertype=c

What you can get from Choicepoint:

Your personal records:
ACCESS YOUR PERSONAL INFORMATION
REVIEW YOUR FACT ACT DISCLOSURE REPORTS
ChoicePoint's subsidiaries, in compliance with the FACT Act, provide you with one FREE report during each 12 month period.
• C.L.U.E.®Reports
• Employment History Report
• Tenant History Report
RUN A BACKGROUND SEARCH
• Pre-Employment Self-Check
REVIEW YOUR INSURANCE & CREDIT REPORTS
• Home Insurance Score
• Auto Insurance Score
DISPUTING RECORDS
• How to Dispute Your Info
• Consumer Bill of Rights

Information you can review about others:
Review Credentials of Healthcare Professionals
• Doctors or chiropractor finder and disciplinary reports
Run a Family Security Background Check
• Nanny and caregivers, house cleaners, contractors and more
Check for Lawsuits, Liens and Judgments
• Daycare, contractors, mechanics/garages, dry cleaners and more


For tenant records there’s another company that keeps files on tenants, it’s called First Advantage SafeRent
F. http://www.fadvsaferent.com/

they will give you a free report as well. I remember a few years ago an attorney told me I could sue these tenant history companies for any inaccurate info remaining on my report after I wrote them requesting changes w/proof (they ignored it)


Also Telecheck is another bank record company to get a free report from. They record bounced checks.
G. http://www.firstdata.com/support/telecheck_consumer_services/consumer_contacts.htm
(NOTE: as of now, this site does not seem to be working)

============================
other reports to apply for:

free annual credit reports from the 3 credit reporting agencies:
H. https://www.annualcreditreport.com/cra/index.jsp

free checking account credit report from chex systems:
I. https://www.consumerdebit.com/consumerinfo/us/en//freereport.htm

free health, life, disability, long-term care insurance report from MIB:
J. http://www.mib.com/html/request_your_record.html

That is a national database / consumer reporting agency run by over 600 US insurance companies which keeps *some* information about *some* Americans and *some* of their health, life, disability, and long-term care insurance usage.

As of now, they say that 15-20% of people who have applied for "individual policies" are listed in it. (I'm guessing that means that people who are covered under group policies aren't in the database, but I don't really know.)

They say that if you haven't applied for individual policies for any of those types of insurance in the last 7 years, then you shouldn't be on this database. Otherwise, you might want to get a free copy of your report and see if the insurance industry is sharing any info on you.

rated:
After I requested it last weekend online, I received my Chexsystems report in the mail today.

The report said that they found that someone else (different name, different address) has used my social security number to open a bank account. I was quite surprised.

I called them to find out more about this, and to clear up some of the confusing things that appeared in the 5 page, double-sided document (including a note on the document saying that my social security number was not released by my state until 2 years after I was born, when I know that my parents got me the number soon after my birth).

The guy on the phone said they will investigate the duplicate use of the social security number with the bank that holds the other person's account (to make sure that it's not just a reporting error on the part of that other person's bank) and will report back to me after 30 days.

I told him that I have applied for 3 checking accounts in the last 16 months (Chase $125 bonus accounts) and that I'd never been denied. He said that must mean that this duplication has occurred since my last successful application (which was in January).

He said that if I apply for any bank accounts now that they'd be denied, because this warning is in my Chexsystem record.

He also said that I would need to send them an enlarged photocopy of both sides of my social security card in order for them to delete this information from my record (regardless of the outcome of their 30-day investigation).

What a pain. Now I've got to check around and see if anything else has been affected.

But I'm glad I sent away for the Chexsystem record (never had done that before).

rated:
NantucketSunrise said: After I requested it last weekend online, I received my Chexsystems report in the mail today.

The report said that they found that someone else (different name, different address) has used my social security number to open a bank account. I was quite surprised.

I called them to find out more about this, and to clear up some of the confusing things that appeared in the 5 page, double-sided document (including a note on the document saying that my social security number was not released by my state until 2 years after I was born, when I know that my parents got me the number soon after my birth).

The guy on the phone said they will investigate the duplicate use of the social security number with the bank that holds the other person's account (to make sure that it's not just a reporting error on the part of that other person's bank) and will report back to me after 30 days.

I told him that I have applied for 3 checking accounts in the last 16 months (Chase $125 bonus accounts) and that I'd never been denied. He said that must mean that this duplication has occurred since my last successful application (which was in January).

He said that if I apply for any bank accounts now that they'd be denied, because this warning is in my Chexsystem record.

He also said that I would need to send them an enlarged photocopy of both sides of my social security card in order for them to delete this information from my record (regardless of the outcome of their 30-day investigation).

What a pain. Now I've got to check around and see if anything else has been affected.

But I'm glad I sent away for the Chexsystem record (never had done that before).
Any update related to Chexsystem issue?

rated:
jackcrawfish said: 2. What is a ChoicePoint Full File Disclosure?
A ChoicePoint Full File Disclosure is made at the request of the consumer (or his/her authorized representative) and includes the consumer's consumer file and a Public Records Search. The Public
Record Search contains information available in county, state, or federal public records such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information and historical addresses.
3. What information will I receive in my ChoicePoint Full File Disclosure?
The following is a description of the information that will be included in the ChoicePoint Full File Disclosure
packet that you receive:

�� Two C.L.U.E.® (Comprehensive Loss Underwriting Exchange) reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which summarizes insurance loss history information about you provided to ChoicePoint by participating insurance companies. This information is used when you apply for auto or homeowners insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.
�� Two Current Carrier® reports (one for personal auto insurance and one for personal property/homeowners insurance), each of which provides summaries of your historical personal automobile or homeowner coverage that has been reported to us by contributing insurance companies. This information is used to confirm that you currently have personal auto and/or homeowner's insurance coverage as well as indicate any gaps in insurance coverage. Also included will be a 'How To Read' guide, which explains the information in the report.
�� A pre-employment background check. You will receive this report only if you have applied for a position with a company that used ChoicePoint to create a background report as part of the hiring process. This report may also include your personal credit information and/or your state driving record if the employer requested this information as part of the background check. This information is used in the hiring process.
�� A copy of an Esteem® report, which lists circumstances in which you have admitted to, or have been convicted of, theft while visiting or working at a retail company. This information is used by certain retail companies in their hiring process.
�� A copy of a ScreenNow® report, which displays the results of a national criminal records search of your name and personal information. This information is used in the hiring and volunteer application process.
�� A copy of a Resident Data® resident history report, which includes your personal credit information as well as a search of criminal records. As part of the report, your name is also checked against a national eviction file. This information is used by many apartment communities in resident screening. You will only receive a Resident Data report if you have applied for residence with a company that used ChoicePoint to create a background report about you as part of the resident screening process.
�� A Public Records Search that shows government records and public information about you such as real estate ownership records, bankruptcies, professional licenses and historical addresses that ChoicePoint maintains or has access to. This information is used by companies as part of an effort to verify the assets, addresses, identity and credentials of a person as part of an account set-up process or anti-fraud tool. Government agencies also use this information as part of an investigation of a known or suspected crime.
I received my "Full File Disclosure" a couple weeks back with nothing materially significant. A couple of auto insurance inquiries when I was shopping a few months back.

Some reports were supposed to be received in a separate mailing since they were from a different 3rd party provider (ie, ScreenNow(r) report). To date I have not seen these "separate reports."

rated:
--We have reviewed our records and have found no employment history information matching the identification information you provided.
--We have reviewed our records and have found no tenant history or eviction information matching the identification information you provided.
--We have reviewed our records and have found no Esteem Information matching the identification information you provided. (Esteem Reports lists circumstances in which you have admitted to, or have been convicted of, theft while visiting or working at a retail company)
--Lexis Nexis National Criminal File Search - 0 matches
--CLUE report showed a wind damage claim from the previous owner of our property circa April 2004. Included was the name of the insurance company, the amount paid and listed the status as closed
--Current Carrier (auto) report had auto policy information dating back to 1987. It listed the insured names as well as our driver licenses. My DW license number was incorrect on the Current Carrier report. I might correct that information if I get bored....

Banko and Risk View reports were supposed to be mailed separately but I never received them. Perhaps it was due to not finding any liens, bankruptcies, judgements, etc.

rated:
Besides free credit reports, you can do a free background check, yourself.
If you are willing to do some research yourself, you can background search anyone for free. Your results will depend on the details:
One Detail is finding out your subject-persons lifetime travel history. He could have committed a crime anywhere he has ever been.
Another Detail is the amount of work you must do to check every courthouse in those locations. So it seems like a lot of work to me, but maybe they only lived in your town, so the work will not be so great. Anyway, there is a way to do it for free and save some money.

rated:
This should seriously be a sticky, especially considering AOR is effectively dead. Mods?

rated:
pintolado said:   Besides free credit reports, you can do a free background check, yourself.
If you are willing to do some research yourself, you can background search anyone for free. Your results will depend on the details:


Youve been here for 2 years so I wont accuse you of spam, but this link doesnt seem like a good source for background checks

rated:
bump

rated:
Bump

rated:
deleted

rated:
Cheapoking said:   I've tried all links posted (I think?) and none are working to get to Choice trust or LexisNexis for my C.L.U.E Report. Have tried Google but none found worked so far, any assistance is greatly appreciated. Thanks
I just used it a couple nights ago with no problems
Either it's a temporary problem with their website or your computer

rated:
I've tried three different browsers, maybe the site is down now?

rated:
Links in the qs work for me right now. Are you not seeing the lexis page with the order form?

Now getting past their identity verification page can be difficult , if they cant recognize you , but the links are working at this time

rated:
Could you please post that link that worked for you?

rated:
https://personalreports.lexisnexis.com/fact_act_claims_bundle/landing.jsp

rated:
deleted.

rated:
Clear your cookies cache or use a different computer, the problem is somewhere at your end , not lexis'

It's working for me right now from both
My iPhone and laptop.

rated:
Just read and found about CoreLogic. Another source for Consumer Reports. Here is what you do to get a copy of your report.

rated:
Bump

rated:
b

rated:
btw the experian one works more than once a year, simply put in a date you were "denied" for credit thats within 60 days, it does nothing to your reports when doing that. But still dont use it too often and draw attention to yourself. Ive heard of people getting locked out.

rated:
What about quizzle, that's supposed to be the transunion-creditkarma equivalent for experian or equifax?

rated:
Add Credit Sesame, the CreditKarma-like service that uses Experian, only does monthly pulls AFAIK.
3 old FWF threads here

rated:
Yay, another bureau tracking insurance losses, and with a cumbersome mailin process to see your report

A PLUS

http://www.iso.com/Products/A-PLUS/Consumers-Order-Your-Free-A-P...

rated:
The CFPB recently posted an extensive list of consumer reporting companies:
http://files.consumerfinance.gov/f/201207_cfpb_list_consumer-rep...

More information:
http://www.consumerfinance.gov/blog/so-how-many-consumer-reporti...

I updated the wiki with those not already listed which provide a free annual report. The CFPB document lists many more that only provide a free report "if an adverse action is taken against you based on information in [the] report".

rated:
Bump to prevent archiving.

rated:
X mas bump - check your free reports folks!

rated:
Don't see any mention of Milliman IntelliScript here (it is listed in the pdf linked above however). Just applied for a new health insurance plan and got a notice that they pulled a prescription history report. According to the letter it falls under the FCRA and I'm entitled to a copy of my file, etc.

It's a scary world we live in...

Skipping 6 Messages...
rated:
Bump for 2016

  • Quick Reply:  Have something quick to contribute? Just reply below and you're done! hide Quick Reply
     
    Click here for full-featured reply.


Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.

Thanks for visiting FatWallet.com. Join for free to remove this ad.

While FatWallet makes every effort to post correct information, offers are subject to change without notice.
Some exclusions may apply based upon merchant policies.
© 1999-2016